When purchasing auto insurance in the state of Pennsylvania, you’ll be given the choice between full tort and limited tort. So how do you decide which type to select? Mr. Gary P. Heslin, the car accident attorney Bucks County trusts, is here to provide some insights into this topic.
Essentially, full tort reserves your full right to sue no matter what the situation. On the other hand, limited tort limits your right to sue under certain circumstances. Even so, limited tort protects your right to file a lawsuit for any out-of-pocket expenses incurred due to an automobile accident. A few examples of out-of-pocket costs include:
- Property damage
- Lost wages
- Rental car fees
- Medical bills
While it may save money in the short term due to cheaper premiums, choosing limited tort can have major consequences if you get into an automobile accident that isn’t your fault. The major downfall of limited tort is that you will not receive compensation for your pain, suffering, aggravation, hassle and other non-economic losses in the event of an automobile accident. This is serious because, believe it or not, these losses often make up the majority of a settlement.
With limited tort, the only way to get around this rule and collect financial compensation for non-economic costs is if you are seriously injured, disfigured or deceased. Whether or not your injury constitutes a serious bodily injury is a decision for the jury. Therefore, you should not expect to automatically receive full compensation for your injuries if you have limited tort. Instead, you should go to the doctor if needed and only pay for necessary treatments. Then, you should discuss whether your injury meets the exception for limited tort with an experienced Bucks County car accident lawyer.
Need Help with Your Case? Call Our Car Accident Attorney in Bucks County
Whether you have limited or full tort for your insurance policy, you can count on Mr. Gary P. Heslin to handle your case. As your car accident lawyer in Bucks County, Mr. Heslin will sit down with you to discuss every detail of your case. Depending on which type of tort you have, he’ll suggest the best course of action for you and do everything in his power to get you the maximum compensation.
If you’re interested in learning more about full and limited tort, check out the Heslin Law Firm’s informational videos. In addition, be sure to read our latest blog post on how to avoid winter sport injuries. And if you have any questions or would like to set up a free consultation with our Bucks County car accident attorney, call 215-332-0300. As always, thanks for reading!